The scam might come over either email or text, and usually warns the recipient about a potentially fraudulent purchase made using their Apple Pay at a physical Apple Store, while offering a phone number or email to contact to address the issue. According to AppleInsider, it might also include a case ID, timestamp, or other technical details in order to appear more legitimate. One user on Reddit, for instance, considered that the scam might be a legitimate text from Apple because it included the official sounding phrase "If this was you, no action is needed."
If you are receiving any texts or emails about your Apple Pay activity at all, chances are they probably aren't real—Apple doesn't reach out to its users in this way. Rather than sending texts or emails, communication instead comes directly from the Wallet app. Additionally, Apple Pay serves as a medium for payment rather than as a credit or debit account in and of itself. As such, if any fraudulent transactions are detected, notices would come from your bank or credit card provider rather than Apple itself.
What to do if you think you're being scammed
If you think a message you've received is illegitimate, the best thing you can do is ignore it and verify it independently. Instead of responding to the suspicious text or email directly, or calling any provided phone numbers, double check any claims made in the statement through official Apple channels. You can see your recent Apple Pay purchases in the Wallet app by tapping on one of your registered cards, and opening the Settings app and navigating to Media & Purchases > View Account > Purchase History will show you any recent App Store purchases. If you don't see a transaction mentioned in one of these notices in your official payment history, chance are it never happened.
Finally, once you're certain a message is part of a scam, you can forward it (or simply report it, if forwarding isn't possible) to Apple to help the company shut it down. The specific email address you'll want to use will differ based on the type of message, and you can find all your options on Apple's support website, under "How to report suspicious emails, messages, and calls." Once you've sent the message to the correct channels, delete it from your inbox to keep yourself from accidentally clicking any compromised links. As added security, also consider changing your Apple Account password, or using a password manager.
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